Before you cut up those cards, make sure you get the phone numbers. After you cut them up, call the banks and negotiate lower interest rates. From this day forward, shread all pre-approved credit card offers and blank checks. Good luck.

 The best and fastest way to pay your credit card debt is to earn by doing extra work. There is no point to take another loan to pay it quickly. However, if you really want to pay it within days then you have to talk to some of your relatives to borrow some money.

 First, cut up your cards. Save the lowest interest one for emergencies, if you must. Then start paying MORE than the minimum payment on the highest interest card or account first. Continue paying on all your debts at the same time. When the highest interest acct is paid, start paying extra on the next highest, etc., etc., etc.

Some banks or companies will tell you to establish a prepaid credit card to re-establish your credit. BEWARE! You might end up owing more in charges and fees before you ever use your card than would help you. Most of these kind of credit fixes do two things: Make money for the lender, and get YOU DEEPER in debt.

Lastly, but not LEAST, establish a budget, and stick to it! Incorporate an entertainment amount into your budget; this way you aren't tempted to "borrow" from your other budgeted items. Good luck.

 I have also watched a special on this and once you get rid of your cards and combine your debt then you can search for the lowest interest rate cards in other states and apply for one to put the balance on. Get the book by jean chatzky. Coaches.aol.com/money/jean-chatzky/main

 Go on the net and look up consolidation debt, that's what i did and i'm getting out of debt faster than i would have if i paid them monthly see i pay one payment of month based on what i make a month and instead of being out of debt in 30 years i'll be out in three years...